Review: Citi Simplicity Visa Card

What's Hot

The Most Sinful City in the U.S. Is … (Hint: It’s Not Vegas)Family

How a Mexican Tariff Will Boost the Cost of 6 Common PurchasesFamily

This Free Software Brings Old Laptops Back to LifeMore

How to Protect Yourself From the ‘Can You Hear Me?’ Phone ScamFamily

Report: Walmart to Begin Selling CarsCars

Where to Sell Your Stuff for Top DollarAround The House

Is Your TV Tracking You? Here’s How to Tell — and Prevent ItAround The House

11 Staging Tips to Help You Get Top Dollar When Selling Your HomeAround The House

21 Restaurants Offering Free Food Right NowSaving Money

20 Simple Hacks to Make Your Stuff Last LongerAround The House

4 Car Insurers That Might Raise Rates Even When the Accident Wasn’t Your FaultCars

How to Invest If Trump Kills the ‘Fiduciary Rule’Grow

12 Surprising Ways to Wreck Your Credit ScoreBorrow

9 Secret Ways to Use Toothpaste That Will Make You SmileAround The House

The 2 Types of Music That Most Improve Dog BehaviorFamily

Want a simple credit card with 0 percent interest for 18 months? This could be your plastic. Just don't expect rewards or cash back.

This post comes from Logan Abbott, editor of the credit cards section of 

I hear it over and over again: People hate murky, hard to understand credit card terms and conditions. They complain, with good reason, that they’re often hit with fees and penalties they weren’t aware of when they signed up.

With the Citi Simplicity Visa Card, Citi aims to simplify all the terms and conditions into a few easily digestible bullet points so cardholders know exactly what they’re signing up for.


  • Almost no fees. The Citi Simplicity Visa has no annual fee, no late fees, and no penalty interest rate.
  • Generous introductory period. Cardholders receive an introductory period of 0 percent interest on both purchases and balance transfers for 18 months. This is one of the longest 0 percent intro periods on the market.
  • 24/7 customer support. Simplicity cardholders get around-the-clock customer support.
  • Purchase protection. Citi offers price protection for up to 60 days with the Citi Price Rewind program. You should read the details here, but essentially the service analyzes eligible purchases made with the card and looks for lower prices on the same item. If it finds a difference of more than $25, you can submit your receipt by mail or fax and get a statement credit.  Citi also extends the manufacturer’s warranty, as well as insures your purchases against accidental breakage for up to 90 days.


  • Balance-transfer fee. While the Citi Simplicity Visa Card offers an 18-month intro period of 0 percent APR on balance transfers and purchases, transferring a balance will result in a fee of $5 or 3 percent of the balance, whichever is higher.
  • Cash advance and foreign transaction fees. Unfortunately, the card requires a cash-advance fee of 5 percent, and a 3 percent foreign transaction fee.
  • No rewards program. The Citi Simplicity Visa requires excellent credit, but doesn’t offer a rewards program. Other Citi cards such as the Citi Dividend Platinum Select Visa Card offer an effective cash-back rate of more than 1 percent.

Bottom line

Get it if: You have excellent credit, and want a long 0 percent intro period to pay down large expenses without incurring interest.

Forget it if: You don’t have any trouble paying your balance off in full every month, and you want a card with a solid rewards program.

Follow Logan Abbott on Google+

Note: While we attempt to be completely objective when reporting on credit cards, this site may be compensated by issuers when a reader applies for a credit card through the links within credit card stories or on our credit card search page. In addition, credit card terms, interest rates and conditions can change any time. While the information here was accurate when reported, before applying for a credit card, always read the current terms and conditions.  

Stacy Johnson

It's not the usual blah, blah, blah

I know... every site you visit wants you to subscribe to their newsletter. But our news and advice is actually worth reading! For 25 years, I've been making people richer without making their eyes glaze over. You'll be glad you did. I guarantee it!


Read Next: 21 Restaurants Offering Free Food Right Now

Check Out Our Hottest Deals!

We're always adding new deals and coupons that'll save you big bucks. See the deals to the right and hundreds more in our Deals section.

Click here to explore 1,820 more deals!